How Central Govt Health Scheme (CGHS) Supports Senior Citizens’ Medical Health Insurance Needs

As we age, the responsibility of managing our healthcare gets more complex and challenging, and sometimes unaffordable. In this context, medical health insurance for senior citizens becomes a necessity. The Central Govt Health Scheme (CGHS) is an initiative by the Indian government to ensure quality healthcare for employees/pensioners of the government sector. However, it also extends benefits to senior citizens who may not necessarily belong to the government sector. In this article, we will discuss how the CGHS supports senior citizens’ medical health insurance needs.

What is the Central Govt Health Scheme (CGHS)?

The Central Govt Health Scheme (CGHS) is a comprehensive healthcare plan offered by the Government of India. It was established in 1954 for providing healthcare facilities to Central Government employees/ pensioners and their dependent family members all over India. The scheme provides preventive, promotive, curative, and rehabilitative healthcare services to its beneficiaries. Over the years, the scope of the scheme has gradually expanded to cover other groups, such as autonomous bodies, universities, and retired employees of various government sectors.

How does CGHS support senior citizens?

CGHS has a provision for providing comprehensive medical health insurance services to its beneficiaries, including senior citizens. The scheme provides the following benefits to senior citizens:

1. Affordable healthcare services: As senior citizens require frequent medical attention, they often accumulate high medical expenses. The CGHS provides affordable healthcare services by reducing the cost of medical treatment. The scheme ensures that the senior citizen beneficiaries receive medical treatment at rates lower than those charged by private hospitals, thereby reducing their out-of-pocket expenses. It also helps in preventing health problems from escalating and controls medical expenses in the long run.

2. Cashless medical facilities: CGHS provides cashless medical services to its beneficiaries. Senior citizens can avail of this facility for cashless treatment at both government as well as private hospitals. In case of emergencies, the beneficiaries can receive cashless treatment without paying any upfront payment for the medical services.

3. Comprehensive coverage: The CGHS scheme offers a comprehensive health insurance plan with coverage across many health-related issues such as hospitalization expenses, diagnostic tests, and other medical expenses. CGHS beneficiaries can avail of the scheme’s benefits at the treatment centers across India.

4. Special provisions for chronic disease: Senior citizens often suffer from chronic diseases and require long-term medical care. The CGHS provides special provisions for chronic disease management, including cancer treatment, dialysis, and joint replacement surgeries. CGHS offers concessions and reimbursement for chronic diseases if the expenses exceed the CGHS norms.

5. Health check-ups: Regular health check-ups are essential for senior citizens. CGHS provides free health checks for senior citizens. The comprehensive health check-up covers health screening of body parts, blood tests, height, and weight measurement along with the detection of chronic diseases. CGHS provides regular preventive health care services that can help diagnose and track health issues that may arise.

6. Assistance in medical emergencies: The CGHS scheme offers a dedicated helpline number to provide emergency medical assistance to its beneficiaries. In case of medical emergencies, beneficiaries can reach out to the CGHS helpline for assistance, and the scheme provides an ambulance facility for transfer of the patient from the clinic/hospital to another hospital.

7. Accessible medical care: CGHS provides medical care in both urban and rural areas. Senior citizens living in remote areas can also avail high-quality medical care via the CGHS scheme. CGHS has empanelled hospitals and clinics in all cities and towns to provide comprehensive coverage to its beneficiaries.


For senior citizens, medical health insurance is a must-have, and with CGHS, senior citizens can avail comprehensive medical care facilities at affordable rates. The CGHS scheme provides medical insurance services to senior citizens, making it easier for them to manage their health care costs. The scheme offers comprehensive coverage, cashless medical facilities, concessions for chronic diseases, and health check-ups. The CGHS scheme ensures a safe and healthy life for its beneficiaries, especially senior citizens, with access to top-quality healthcare facilities, making the scheme game-changing in the healthcare space.

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